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Monet has stated that she lost her virginity at "an early age" to a boy but she had also always been interested in women and had her first experience with a woman at the age of 15, as a result of she and her then-boyfriend swinging with another couple.[1] She has a background in accounting (via working with mutual funds), and she was a call girl and a sexual surrogate in the 1980s before entering the adult film industry.[2]

Monet entered the adult film world in 1994 at the age of 30.[1][3] Her then-boyfriend auditioned for a job as a porn star and she went along for moral support; she was then offered a job instead of him.[2] She began as a director only because she felt she was too old to be just beginning an acting career in porn.[3] She was the only director and producer for movies made exclusively for the Spice Channel in the first few years of its existence.[3][4]